WCFB (WCF Bancorp) Financial Strength: 0 (As of Dec. 2018)

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WCFB WCF Bancorp Inc WCFB
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What is WCF Bancorp Financial Strength?

WCF Bancorp has the Financial Strength Rank of 0.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate WCF Bancorp's interest coverage with the available data. WCF Bancorp's debt to revenue ratio for the quarter that ended in Dec. 2018 was 7.74. Altman Z-Score does not apply to banks and insurance companies.

WCF Bancorp  (OTCPK:WCFB) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

WCF Bancorp has the Financial Strength Rank of 0.

WCF Bancorp Financial Strength Related Terms

WCFB
12GF Score
WCF Bancorp Inc WCFB
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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WCF Bancorp Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

WCF Bancorp's Interest Expense for the months ended in Dec. 2018 was $-1.04 Mil. Its Operating Income for the months ended in Dec. 2018 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2018 was $24.00 Mil.

WCF Bancorp's Interest Coverage for the quarter that ended in Dec. 2018 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

WCF Bancorp's Debt to Revenue Ratio for the quarter that ended in Dec. 2018 is

Debt to Revenue Ratio=Total Debt (Q: Dec. 2018 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 24) / 3.101
=7.74

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

WCF Bancorp Business Description

Address 401 Fair Meadow Drive, P.O. Box 638, Webster City, IA, USA, 50595
WCF Bancorp Inc is a bank holding company for WCF Financial Bank. The Bank has full-service offices in Webster City, Independence and Tama, Iowa. The primary business activities include accepting deposits from individual, corporate, and public clients and investing those deposits in real estate, agricultural, commercial, and personal loans. Its various banking and financial services and product offerings include credit and debit cards, loans, checking accounts, business loans, agricultural loans, business credit cards, and money market accounts, among others. The Bank provides banking services to its local respective markets.
12GF Score

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